Blue Rock Insurance Brokers

What Blue Rock Insurance Brokers does

Blue Rock Insurance Brokers Ltd is an independent commercial insurance brokerage headquartered in Ayr, Scotland, operating under FCA reference number 671319. Founded in September 2015 when Tom Yorke and John McQuaid acquired Murphy Insurance and rebranded in March 2018, the firm serves small and medium enterprises primarily across Ayrshire and the wider UK, placing business insurance across construction, hospitality, retail, manufacturing, haulage, leisure, IT/telecoms, healthcare and professional services. With approximately 13 staff, the company holds Chartered Insurance Broker status from the Chartered Insurance Institute, placing it within the top 5% of UK brokers.

The core product is independent commercial insurance brokerage supported by the proprietary Blue Rock Business Insurance Quality Audit, a free review process that benchmarks existing client arrangements against actual claims-paying ability rather than replicating prior policies. Additional offerings include cyber insurance, trade credit insurance, home-working extensions and a dedicated in-house claims management team. Insurer access is delivered via founder membership of Broker Network, enabling the firm to remain independent while sourcing across mainstream and niche panels.

Revenue is generated through standard insurance brokerage commissions on policy placement, with services priced on a quote basis rather than via disclosed list rates. Growth has been entirely organic, reportedly more than eight-fold since 2015 and driven primarily by client referrals, with 90%+ client and employee satisfaction scores sustained over multiple years. The firm is privately held by its founders with no external institutional investors.

Name

Blue Rock Insurance Brokers

Legal name

Blue Rock Insurance Brokers Ltd

Website

https://bluerockinsurance.co.uk

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Blue Rock Insurance Brokers Ltd is an independent, Chartered-status commercial insurance brokerage in Ayr, Scotland, serving SMEs across multiple sectors with business insurance placement, claims management and a proprietary Quality Audit process.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Commercial insurance brokerage
• Business insurance review
• Claims management services
• Independent insurance broker
• SME risk management

Headquarters

HQ city

Ayr

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: Earn commissions from insurance providers for placing business insurance policies. Operates as independent broker not tied to one insurer, working with wide panel of mainstream and niche insurers through Broker Network affiliation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Blue Rock Insurance Brokers is an independent commercial insurance broker that places business insurance policies for SMEs across sectors such as construction, hospitality, retail, manufacturing, haulage and leisure. Services combine a face-to-face risk review, placement via a wide panel of mainstream and niche insurers accessed through Broker Network, a free Quality Audit benchmarking coverage against claims-paying ability, and a dedicated in-house claims team supporting clients through loss events.

Product overview

Blue Rock Insurance Brokers operates as an independent insurance brokerage offering a unified service portfolio anchored by their core business insurance brokerage. Their primary offerings include commercial insurance placement across multiple sectors, a proprietary Business Insurance Quality Audit process for reviewing coverage adequacy, cyber insurance, trade credit insurance, and dedicated claims management support. The company is not tied to one insurer, working with a wide panel of providers to offer choice. All services are delivered through their team of brokers without a modular or platform-based architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Brokerage Independent advice and placement of commercial business insurance policies across multiple sectors including construction, hospitality, retail, manufacturing, haulage, leisure, automotive, healthcare and IT/telecoms, leveraging a wide panel of mainstream and niche insurers via Broker Network.
• Business Insurance Quality Audit A free insurance review process that benchmarks existing business insurance arrangements against the ability to pay claims, auditing policy conditions and verifying actual coverage rather than simply copying existing arrangements. Targets UK SMEs concerned about hidden gaps in protection.
• Cyber Insurance Specialist cyber insurance coverage providing financial protection against cyber attacks, data breaches, ransomware payments, forensic investigations, legal fees and regulatory penalties for SME clients.
• Trade Credit Insurance Insurance coverage that protects businesses against customer non-payment, covering credit limits and enabling secure credit terms to customers in B2B trading relationships.
• Home Working Insurance Extensions Extended business insurance coverage for equipment and liability when employees work from home during temporary circumstances, addressing remote-working exposure introduced during COVID-19.
• Claims Management Services Dedicated in-house claims team providing support through the claims process, coordinating with loss adjusters, forensic investigators and legal representatives on behalf of clients, and advocating with insurers to settle valid claims.

Quantifiable outcome

• 90%+ client satisfaction scores
• +4 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eight partnerships are on record, tiered minor and core.

• CyberScotland WeekminorGTM or Marketing Partner · 1 January 2024Participation in CyberScotland Week events to raise awareness of cyber security and emerging risks.
• Ayr United Football ClubminorGTM or Marketing Partner · 1 January 2023Sports sponsorship extending relationship for 2023/24 season. Football club with rich history and strong local presence.
• Ayr RugbyminorGTM or Marketing Partner · 1 January 2023Sports sponsorship extending relationship for 2023/24 season.
• XACTminorStrategic or Co-development Partner · 1 January 2020Provided COVID/Return to Work document packages. Blue Rock purchased licences to provide free access to customers including risk assessments, policy templates, signs and posters.
• Aviva Glasgow UnderwritingcoreChannel Partner/ Reseller/ Distributor · 1 January 2020Major insurer partner. Blue Rock hosted Aviva Glasgow Underwriting team for wine tasting event at Corney & Barrow wine cellars in November 2023.
• Broker NetworkcoreStrategic or Co-development Partner · 1 January 2018Founder member of Broker Network - a collective of independent insurance brokers providing collective strength in the industry. Allows Blue Rock to maintain strong relationships with mainstream and niche insurers while staying independent.
• ACE RaceRunning ClubminorOthers · 1 January 2018Charitable organization providing sporting opportunities for people with limited mobility. Blue Rock team completed Tough Mudder in 2018 raising over £2,000 for the club.
• Ayrshire Chamber of CommercecoreGTM or Marketing Partner · 1 January 2018Principal sponsors of Ayrshire Chamber Annual Dinner. Active participation in business awards, networking events and business community activities.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Simply Business: Digital-first UK commercial insurance broker targeting SMEs with a self-serve, online model; represents the insurtech-style channel that competes with Blue Rock's traditional face-to-face service approach for small commercial accounts.

Broad incumbents

• Ardonagh Group: One of the largest independent insurance broker groups in the UK, formed and expanded via consolidations of regional commercial brokers; competes with Blue Rock for SME commercial accounts and is an active acquirer of firms like it.
• Aston Lark: PE-backed UK commercial insurance broker built largely through acquisition of regional independents; directly comparable to Blue Rock in customer profile (SME commercial) and acquisition-led growth strategy, but with materially more scale.
• Lockton Companies (UK): Large privately held global insurance broker with a substantial UK commercial practice; overlaps with Blue Rock on placing commercial lines for mid-market and SME clients and competes for the same referral-driven relationships.
• Howden Broking Group: Large UK-focused commercial insurance broker that has aggressively acquired regional independents; a direct analogue of the roll-up path Blue Rock could pursue, while also representing the most credible competitive threat in the Scottish SME market.
• Marsh (UK): Global insurance broker with a UK commercial practice serving mid-market and SME clients; overlaps with Blue Rock on commercial lines placement for SME customers and is a competing channel for SME insurance buying.

Direct peers

• James Hallam Insurance Brokers: UK independent commercial insurance broker with a similar regional, relationship-led service model for SME clients; direct comparable to Blue Rock in scale, independence stance and service philosophy.
• Bollington Insurance Group: UK-focused independent commercial insurance broker serving SMEs and mid-market clients with a regionally rooted, face-to-face advisory model; directly comparable to Blue Rock in market positioning and customer profile.

Regional players

• Wilson Insurance Brokers: Independent UK commercial insurance broker with a regional presence and similar focus on relationship-led SME service; comparable to Blue Rock in size, customer profile and Chartered-style professionalism, though operating in a different UK region.

Others

• Broker Network: Collective of independent UK insurance brokers of which Blue Rock is a founder member; not a direct competitor but a strategic alliance that gives Blue Rock buying power, compliance support and a peer ecosystem of similarly positioned regional brokers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bluerockinsure
• LinkedInlinkedin.com/company/blue-rock-insurance-brokers
• Xx.com/bluerockinsure

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Blue Rock Insurance Brokers